Offering personalized services in Arizona, Alabama, California, Colorado, Florida, Idaho, Minnesota ,Oregon , Tennessee, New Mexico, Washington, Virginia, Texas, Utah, Hawaii, Iowa, Kansas, Kentucky, Maine, Missouri, Ohio, Oklahoma, Pennsylvania, Wisconsin
Welcome to West Capital Lending, where we specialize in helping you achieve your financial dreams. Whether you're looking for a mortgage, a home equity line of credit (HELOC), or specialized loan programs, Zahami Gracia and our team are here to provide you with the best solutions tailored to your needs.
It will cover key aspects like understanding different loan types (FHA, VA, conventional), credit score importance, down payment options, and the step-by-step process of applying for a mortgage.
We'll explain what a HELOC is, how it works, and the potential benefits (home improvements, debt consolidation, major expenses).
Best beneficial for first-time homebuyers, veterans, and self-employed individuals.
Secure the best mortgage rates for residential, investment, and commercial properties.
From FHA and VA loans to conventional and non-QM loans, we have options to fit every situation.
Explore our unique offerings like Down Payment Assistance Loans, CalHFA, and Manufactured USDA Loans.
Stay informed with the latest market trends and how they impact your financial decisions.
drop us a line and keep in touch
Sherri Mitchell 2025-02-06 All the fear of the process was immediately put to rest. Zahami is the best. His experience and knowledge of the business made the process smooth and painless. Thank you Zahami for being you. I’m recommending West Capital Lending to all my friends and family ! Ray Melendez 2025-01-23 The loan process was always very intimidating for me because I never knew enough to feel confident in pulling the trigger. Ive spoken to many agents before and they were always so short and pressuring me to close. Zahami on the other hand, actually took the time to teach me about certain things and I never felt pressured by him to close. My experience with the Gracia team from start to finish was exceptional and I will recommend anyone looking for one of his services to look no further. The real deal. Thanks LazyL Ranch 2025-01-14 Couldn’t be happier with the level of customer service provided. Top notch. Highly recommend and will use again for our next purchase. I would not hesitate having our transaction in Zahimi’s hands again. Melissa Haaheim 2025-01-10 My husband and I have been Self Employed for over 20 years. During that time we have taken out multiple loans and dealt with many people involved in that process. We recently were in need of a loan and were referred to Zahami and his team. We were extremely impressed with the ability to listen to the specifics of what we needed and how we don't fit into a traditional loan or situation. Zahami listened, went to work and found us what we needed. The communication was great, even during the holidays! Very impressed, would recommend to anyone and I will be using them in the future! Jennifer Woods 2024-11-21 Zahami was incredible to work with for our loan. He was extremely knowledgeable, always available to us and an absolute pleasure in all of our interactions. We look forward to working with him again in the future and highly recommend him! Coty Escue 2024-11-19 Refreshingly awesome. Knowledgeable, helpful, smooth, caring… Just good people and good service. Kareena Christian 2024-11-13 This was by far the smoothest process I have ever been through. Zahami was excellent with his communication, setting expectations and guiding me through the process of refinancing. I was blown away by his sincerity and professionalism and I would not hesitate to refer anyone to him for their lending needs. rob crdva 2024-11-11 Wife and I recently did a HELOC with Mr. Gracia and was very professional, had patience with us since we had a ton of questions regarding the process and always ready to take our phone call. By far the best experience we’ve had and will be calling Mr. Gracia next year for our cash out refi and referring him to all my family & friends!! Thank you. seven 408 2024-11-11 I want to express my gratitude to Zahami Gracia for making the home loan process smooth and stress-free. His expertise and professionalism were evident at every step, and he made working together a truly pleasant experience. Thank you Hugo Grimaldo 2024-11-11 Being a 1st time home buyer I was a bit nervous. Those fears were put to rest once I spoke to Zahami and he mentioned the múltiple options I had as a 1st buyer. He thoroughly explained the process. The loan approval was fast, I was able to purchase a home that me and my family truly love. I highly recommend Zahami for all your Real Estate financial needs
No, we don’t need tax returns to approve your loan.
We offer a wide range of loans including FHA, VA, conventional, non-QM, HELOCs, and more.
Our streamlined process allows for approval and funding in as little as 5 days.
Requirements vary by loan type, but generally include a credit score of 640 or higher for HELOCs and 700 or higher for other loan products.
We offer services in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Idaho, Iowa, Kansas, Kentucky, Main, Minnesota, Michigan, Missouri, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennesee, Texas, Virgina , Washington & Wisconsin.
Contact us today for a free consultation. Our team is ready to assist you with your mortgage and lending needs.
34 Executive Park, Irvine, California 92614, United States
949-774-2204
zgracia@westcapitallending.com 34 Executive Park, Irvine, California 92614, United States 949-774-2204 zgracia@westcapitallending.com
